MISYL
ActiveSummary
MISYL has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17,057 and a net result of €11,595. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 77% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency91▲+42
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 1.94 against 0.71 in 2024; short-term debt: 33.9% and cash: 27.9% of total assets), and 33.9% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
66.1%
Return on assets
44.9%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
27 d early
2023
20 d late
2022
15 d late
2021
11 d late
2020
30 d late
2019
17 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 2 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 11 August (4 of the last 5 filed years within 38 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€17,057▲ 212%
2024 · €5,462
Total assets
€25,814▲ 14.9%
2024 · €22,472
Net result
€11,595
2024 · -€8,538
Working capital
€8,205
2024 · -€4,874
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€13,822▲ 78.5%-€8,277€1,401-€8,637€11,801
Net result€13,703within the sector's middle half▲ 48.2%-€7,928below the sector's middle half€1,275within the sector's middle half-€8,538below the sector's middle half€11,595within the sector's middle half
Equity€20,652within the sector's middle half▲ 197%€12,724within the sector's middle half▼ 38.4%€14,000within the sector's middle half▲ 10.0%€5,462within the sector's middle half▼ 61.0%€17,057within the sector's middle half▲ 212%
Total assets€64,489within the sector's middle half▲ 150%€37,129below the sector's middle half▼ 42.4%€36,723below the sector's middle half▼ 1.1%€22,472below the sector's middle half▼ 38.8%€25,814below the sector's middle half▲ 14.9%
Debt€43,836▲ 133%€24,405▼ 44.3%€22,723▼ 6.9%€17,010▼ 25.1%€8,757▼ 48.5%
Working capital-€9,798below the sector's middle half-€11,021below the sector's middle half▼ 12.5%-€3,041within the sector's middle half▲ 72.4%-€4,874within the sector's middle half▼ 60.3%€8,205within the sector's middle half
Solvency32.0%within the sector's middle half▲ 5.0pp34.3%within the sector's middle half▲ 2.2pp38.1%within the sector's middle half▲ 3.9pp24.3%within the sector's middle half▼ 13.8pp66.1%above the sector's middle half▲ 41.8pp
Current ratio0.78below the sector's middle half▼ 0.270.55below the sector's middle half▼ 0.230.87within the sector's middle half▲ 0.320.71below the sector's middle half▼ 0.151.94within the sector's middle half▲ 1.22
Return on assets (ROA)21.2%above the sector's middle half▼ 14.6pp-21.4%below the sector's middle half▼ 42.6pp3.5%within the sector's middle half▲ 24.8pp-38.0%below the sector's middle half▼ 41.5pp44.9%above the sector's middle half▲ 82.9pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €11,801 after a loss of €8,637 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €25,814
Fixed assets
€8,852 ▼ 14.4%
Current assets
€16,963 ▲ 39.8%
Equity and liabilities €25,814
Equity
€17,057 ▲ 212%
Debt
€8,757 ▼ 48.5%
Debt's share of the balance-sheet total falls from 75.7% to 33.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€17,285▲
2024 · -€1,932
Cash flow
€17,079▲
2024 · -€1,833
Quick ratio
1.44▲
2024 · 0.46
Debt to equity
0.51▼
2024 · 3.11
ROE
68.0%▲
2024 · -156.3%
Interest coverage
165.27▲
2024 · -20.14
Debt ≤ 1 year
€8,757▼
2024 · €17,010
Income taxes
€103
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,679 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.8%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,679 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €2,479 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,773 | €6,705 | €6,705 | €6,705 | €5,485 | ▼ 18.2% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €31 | €240 | ▲ 681% |
| Other operating charges640/8 | €1,464 | €828 | €771 | €902 | €933 | ▲ 3.5% |
| Non-recurring operating charges66A | €30 | - | €108 | - | - | - |
| Gross operating margin9900 | €20,089 | -€745 | €8,984 | -€1,000 | €18,459 | ▲ 1,946% |
| Operating profit (loss)9901 | €13,822 | -€8,277 | €1,401 | -€8,637 | €11,801 | ▲ 237% |
| Financial income75/76B | €17 | €416 | €37 | €195 | €2 | ▼ 98.9% |
| Recurring financial income75 | €17 | €22 | €13 | €7 | €2 | ▼ 69.0% |
| Non-recurring financial income76B | - | €394 | €24 | €188 | - | - |
| Financial charges65/66B | €137 | €67 | €163 | €96 | €105 | ▲ 9.0% |
| Recurring financial charges65 | €137 | €67 | €163 | €96 | €105 | ▲ 9.0% |
| Profit (loss) for the period before taxes9903 | €13,703 | -€7,928 | €1,275 | -€8,538 | €11,698 | ▲ 237% |
| Income taxes67/77 | - | - | - | - | €103 | - |
| Profit (loss) for the period9904 | €13,703 | -€7,928 | €1,275 | -€8,538 | €11,595 | ▲ 236% |
| Profit (loss) for the period to be appropriated9905 | €13,703 | -€7,928 | €1,275 | -€8,538 | €11,595 | ▲ 236% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €64,489 | €37,129 | €36,723 | €22,472 | €25,814 | ▲ 14.9% |
| Fixed assets21/28 | €30,450 | €23,745 | €17,041 | €10,336 | €8,852 | ▼ 14.4% |
| Tangible fixed assets22/27 | €30,450 | €23,745 | €17,041 | €10,336 | €8,852 | ▼ 14.4% |
| Plant, machinery and equipment23 | €9,331 | €7,426 | €5,521 | €3,617 | €6,932 | ▲ 91.7% |
| Furniture and vehicles24 | €21,119 | €16,319 | €11,520 | €6,720 | €1,920 | ▼ 71.4% |
| Current assets29/58 | €34,039 | €13,384 | €19,682 | €12,136 | €16,963 | ▲ 39.8% |
| Stocks and contracts in progress3 | - | €3,278 | €4,318 | €4,319 | €4,318 | = |
| Stocks30/36 | - | €3,278 | €4,318 | €4,319 | €4,318 | = |
| Amounts receivable within one year40/41 | €24,733 | €4,134 | €8,580 | €3,578 | €689 | ▼ 80.7% |
| Trade receivables40 | €22,196 | €3,935 | €6,907 | €2,744 | €377 | ▼ 86.3% |
| Other amounts receivable41 | €2,537 | €199 | €1,672 | €834 | €312 | ▼ 62.6% |
| Cash at bank and in hand54/58 | €8,174 | €4,787 | €6,095 | €3,377 | €7,192 | ▲ 113% |
| Deferred charges and accrued income490/1 | €1,131 | €1,184 | €690 | €862 | €4,764 | ▲ 452% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €64,489 | €37,129 | €36,723 | €22,472 | €25,814 | ▲ 14.9% |
| Equity10/15 | €20,652 | €12,724 | €14,000 | €5,462 | €17,057 | ▲ 212% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €192 | -€7,736 | -€6,460 | -€14,998 | -€3,403 | ▲ 77.3% |
| Amounts payable17/49 | €43,836 | €24,405 | €22,723 | €17,010 | €8,757 | ▼ 48.5% |
| Amounts payable within one year42/48 | €43,836 | €24,405 | €22,723 | €17,010 | €8,757 | ▼ 48.5% |
| Trade debts44 | €20,493 | €4,390 | €7,434 | €1,553 | €576 | ▼ 62.9% |
| Suppliers440/4 | €20,493 | €4,390 | €7,434 | €1,553 | €576 | ▼ 62.9% |
| Advances received on contracts in progress46 | - | - | - | €2,500 | - | - |
| Taxes, remuneration and social security45 | - | - | €295 | €500 | €277 | ▼ 44.7% |
| Taxes450/3 | - | - | - | - | €277 | - |
| Remuneration and social security454/9 | - | - | €295 | €500 | - | - |
| Other amounts payable47/48 | €23,343 | €20,015 | €14,995 | €12,458 | €7,905 | ▼ 36.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13,703 | -€7,928 | €1,275 | -€8,538 | €11,595 | ▲ 236% |
| + Depreciation and write-downs630 | €4,773 | €6,705 | €6,705 | €6,705 | €5,485 | ▼ 18.2% |
| Operating cash flow (approximation) | €18,476 | -€1,223 | €7,980 | -€1,833 | €17,079 | ▲ 1,032% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | -€4,000 | - |
| Change in cash | - | -€3,387 | €1,307 | -€2,718 | €3,815 | ▲ 240% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €11,595
Net result €11,595 after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.94
Current ratio from 0.71 to 1.94; short-term debt falls from €17,010 to €8,757.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Back to profitnet €1,275
Net result €1,275 after one loss-making year.
15-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 15 days late
2022
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
2021
31-12
Financial
Highest result since 2018net €13,703 ▲48.2%
Operating result €13,822, net result €13,703, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €9,247
Net result €9,247 after one loss-making year.
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
Show earlier events
2019
31-12
Financial
Weakest financial yearnet -€11,261
Net result drops to -€11,261, the lowest in the series; recovery starts the following year.
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 2 days late
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 17 days late
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sambreville · 1 establishment unit since 2014
Ground area
930 m²
Building footprint
80 m²
Parcel 92121B0511/00R000, Wallonia. Linked by address, not a title deed.
1 establishment unit
MISYL
since 20142.232.453.020
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92121B0511/00R000 | Wallonia | 929 m² | 1 · 80 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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VANIITAS
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AFRIREGISTER.EU
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Of 12,955 companies in sector 47120 we hold annual accounts for 2,193. 1,373 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded17-06-2014
Fiscal year end31-12
Activities, NACEBEL 2025
47120Other non-specialised retail sale
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47400Retail sale of information and communication equipment
E-invoicing
Reachable via Peppol
Peppol ID
0208:0553875740
Also
9925:BE0553875740
Registered
19-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.